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Massachusetts SR-22 & High-Risk Auto Insurance

Massachusetts requires SR-22 filing for DUI convictions, license suspensions, and uninsured accidents. The filing requirement typically lasts 3 years and costs $15–$35 to file, but high-risk premiums average $200–$400/mo depending on violation type and your path back to standard rates.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated April 2026

Minimum Coverage Requirements in Massachusetts

Massachusetts requires minimum liability coverage of 20/40/5 ($20,000 bodily injury per person, $40,000 per accident, $5,000 property damage). Drivers with DUI convictions, license suspensions for serious violations, at-fault accidents while uninsured, or repeated traffic offenses typically face SR-22 filing requirements for 3 years. Personal Injury Protection (PIP) of $8,000 and uninsured motorist coverage are also mandatory in Massachusetts, making the state's minimum coverage package more comprehensive than most.

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20/40/5
Liability Insurance
Massachusetts law requires 20/40/5 liability minimums, but these limits leave significant exposure for drivers rebuilding after a violation. A single serious accident can generate medical bills exceeding $100,000. High-risk drivers completing SR-22 requirements should consider 100/300/100 limits when transitioning back to standard carriers — it demonstrates financial responsibility and often costs only $20–$40 more per month than state minimums.
Minimum 20/40/5 with continuous filing
SR-22 Insurance
SR-22 is not a type of insurance but a certificate your insurer files with the Massachusetts RMV proving you carry continuous coverage. The filing itself costs $15–$35, but premiums for the underlying policy typically run $2,400–$4,800 annually depending on the triggering violation. If your policy lapses during the 3-year requirement, your insurer notifies the RMV immediately and your license is suspended until you reinstate coverage and refile.
State minimums plus comprehensive and collision
Full Coverage
Full coverage combines liability, comprehensive, and collision protection. For drivers completing SR-22 requirements with financed vehicles, full coverage is mandatory until the loan is paid. Massachusetts-based lenders typically require 100/300/100 liability limits plus $500–$1,000 deductibles on physical damage coverage. Post-SR22 drivers can expect full coverage rates of $250–$450/mo in the first year after filing ends, dropping 20–30% by year two with a clean record.
Mandatory at minimum 20/40
Uninsured Motorist Coverage
Massachusetts requires uninsured motorist coverage matching your liability limits. This protects you when hit by a driver with no insurance or insufficient coverage — critical protection given that approximately 1 in 10 Massachusetts drivers operates uninsured. For high-risk drivers, uninsured motorist claims do not count against you the same way at-fault accidents do, making this coverage particularly valuable during rate recovery periods.
Optional, lender-required if financing
Comprehensive Coverage
Comprehensive covers non-collision damage: theft, vandalism, weather, animal strikes. In Massachusetts, comprehensive claims have lower rate impact than collision claims — a stolen vehicle typically increases premiums 5–15% versus 20–40% for an at-fault accident. Drivers completing SR-22 requirements should maintain comprehensive if affordable, as it protects your vehicle investment without the severe rate penalties associated with collision coverage.
State-Mandated Minimum Coverage · Massachusetts

Massachusetts Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$20,000
Bodily Injury (per accident)$40,000
Property Damage$5,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your Massachusetts quote.

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How Much Does Car Insurance Cost in Massachusetts?

High-risk insurance premiums in Massachusetts depend heavily on violation type, years since the incident, and whether you're still in the SR-22 filing period or transitioning out. A first DUI typically adds $1,200–$2,400 annually to premiums during the SR-22 period, while at-fault accidents while uninsured can increase rates $1,500–$3,000. The good news: rates drop significantly in the first year after SR-22 filing ends if you maintain a clean record.

What Affects Your Rate

  • Violation type and severity (DUI adds more than speeding ticket accumulation)
  • Time since incident (rates drop 15–25% per clean year after SR-22 ends)
  • Whether you're in active SR-22 filing or post-filing rate recovery
  • ZIP code and city (Boston averages $280/mo for high-risk, Springfield $220/mo)
  • Credit-based insurance score (Massachusetts allows limited credit use in rating)
  • Continuous coverage history during and after SR-22 period
Minimum Coverage
$150–$280/mo
Massachusetts state minimums (20/40/5 liability, required PIP and uninsured motorist) during active SR-22 filing. No comprehensive or collision. Best for older paid-off vehicles where you can absorb replacement cost.
Standard Coverage
$200–$350/mo
Increased liability limits (50/100/50 or 100/300/100) with SR-22 filing or within 12 months post-filing. Recommended for drivers with assets to protect or completing their requirement period.
Full Coverage
$250–$450/mo
Comprehensive and collision added to enhanced liability limits. Required if financing a vehicle. Expect rates at the high end during SR-22 filing, dropping 20–30% in year one post-filing and another 15–25% in year two with no new incidents.

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Coverage Types

Liability Insurance

Covers injuries and property damage you cause to others. Massachusetts requires 20/40/5 minimums, but a serious accident can exceed these limits in minutes.

Full Coverage

Combines liability, comprehensive, and collision. Mandatory if you have a car loan. Protects your vehicle investment while meeting lender requirements.

SR-22 Insurance

Certificate filed by your insurer proving continuous coverage to the Massachusetts RMV. Required for 3 years after license reinstatement for serious violations.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient coverage. Massachusetts requires this coverage matching your liability limits.

Comprehensive Coverage

Covers non-collision damage: theft, vandalism, weather, animal strikes. Optional unless financing your vehicle.

Non-Standard Auto Insurance

Specialized coverage from carriers who write high-risk drivers standard companies reject. Higher premiums but provides required coverage during SR-22 filing periods.

Find Your City in Massachusetts

Boston skyline view from the harbor with sailboats in foreground and downtown buildings on clear day

Boston

urban
Worcester, Massachusetts cityscape and street view

Worcester

urban
Springfield, Massachusetts cityscape and street view

Springfield

urban
Cambridge, Massachusetts cityscape and street view

Cambridge

urban
Lowell, Massachusetts cityscape and street view

Lowell

urban
Aerial view of historic stone courthouse with clock tower surrounded by green lawn in small town center

Brockton

urban
Golden grass stalks in a field backlit by sunlight against a blue sky with white clouds at sunset

Quincy

suburban
Nighttime street view of illuminated convenience store with light trails from passing cars on wet pavement

Lynn

urban

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